Who Has the Cheapest Auto Insurance Quotes for Government Employees in Phoenix?

One of the many criteria that are looked at to help calculate the annual cost of car insurance is where you live. Cities with larger populations are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The illustration below sorts the most expensive cities in Arizona for government employees to purchase a policy in. Phoenix is listed at #1 with an annual premium of $1,231 for the average insured, which is about $103 monthly.

How much is auto insurance in Phoenix, AZ?
Rank City Annual Premium
1 Phoenix $1,231
2 Avondale $1,222
3 Glendale $1,214
4 San Tan Valley $1,196
5 Buckeye $1,156
6 Scottsdale $1,151
7 Gilbert $1,142
8 Tempe $1,140
9 Peoria $1,137
10 Mesa $1,125
11 Maricopa $1,107
12 Tucson $1,105
13 Goodyear $1,087
14 Catalina Foothills $1,082
15 Casas Adobes $1,082
16 Chandler $1,082
17 Casa Grande $1,079
18 Surprise $1,058
19 Oro Valley $1,031
20 Flagstaff $969
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Table data uses estimated as the specific area where the vehicle is garaged can alter premiums significantly.

The make and model of vehicle needing coverage is one of the largest considerations when shopping for the best cheap insurance for government employees. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer models.

The next table estimates coverage rates for some of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Phoenix, AZ
Make and Model Estimated Cost for Full Coverage
Ford Explorer XLT 2WD $1,713
Ford Escape XLS 4WD $1,750
Chevrolet Equinox LS AWD $1,806
Ford F-150 FX4 Super Cab 4WD $1,842
Hyundai Elantra GLS 4-Dr Sedan $1,901
Honda CR-V EX 4WD $1,915
Nissan Rogue S AWD $1,938
Honda Civic Hybrid 4-Dr Sedan $1,948
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,966
Ford Focus SE 2-Dr Coupe $2,033
Honda Accord EX-L 4-Dr Sedan $2,038
Hyundai Sonata Limited 4-Dr Sedan $2,069
Toyota Prius $2,078
Dodge Ram 3500 Mega Cab SLT 2WD $2,097
Chevrolet Impala LS $2,170
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Phoenix, AZ which can modify price quotes substantially.

Based upon the rates shown, we can presume that cars like the Ford Explorer, Ford Escape, Chevrolet Equinox, Ford F-150, and Hyundai Elantra are likely to be a few of the cheapest vehicles to insure for state and federal workers.

Comparing rates for affordable car insurance is difficult, and determining which companies quote the lowest-priced insurance rates for government employees will take even more work. Each insurance company uses a different method for filing rates in each state, so first we will examine the insurance companies with the overall cheapest rates in Phoenix, AZ.

Find the Cheapest Car Insurance in Arizona

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Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $897
3 Safeco $905
4 USAA $1,091
5 Travelers $1,119
6 Progressive $1,130
7 GEICO $1,142
8 Ameriprise Group $1,172
9 CSAA $1,177
10 Allied $1,245
11 Farm Bureau Mutual $1,259
12 Safe Auto $1,297
13 Farmers $1,337
14 Unitrin $1,343
15 State Farm $1,377
16 Titan $1,418
17 American Family $1,435
18 Amica $1,443
19 MetLife $1,521
20 California Casualty $1,568
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The Hartford quotes some of the most affordable car insurance rates in Phoenix at around $845 per year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheapest Phoenix, AZ auto insurance companies.

As the example above demonstrates, if you are currently insured with Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of around $52. Policyholders with Safeco could save as much as $60 a year, and USAA policyholders might realize rate reductions of up to $246 a year.

It’s important to note that these policy rates are averages across all insureds and vehicles and and are not figured with a specific location for government employees. So the insurer that fits your situation best may not even be in the top 28 companies shown above. That illustrates why you need to quote rates from many companies using your own driver and vehicle profiles.

Tickets and at-fault accidents raise rates

A great way to find the most affordable insurance prices in Phoenix for state and federal workers is to pay attention while driving and avoid traffic citations and accidents. The information below shows how violations and fender-benders can increase insurance premiums for each different age group. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of an auto insurance policy in Phoenix per year with no accidents and a clean driving record is $1,474. Add in two speeding tickets and the average cost swells to $1,975, an increase of $501 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for government employees goes up to an average of $3,843. That’s an increase of $2,369, or $197 per month, just for not driving safely!

The example below highlights how deductible selection can influence insurance costs when quoting cheap insurance for government employees. The rates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could pocket $250 a year by changing from a $100 deductible to a $500 deductible, or save $378 by using a $1,000 deductible. Younger drivers, like the 20-year-old, could roll back prices up to $834 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is a good idea to have emergency funds available to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find more affordable auto insurance for government employees

The list below summarizes many money-saving solutions that can help you find cheap coverage.

That final tip is especially critical, as was noted in this piece. Prices charged by car insurance companies in Phoenix can change considerably based on profitability, so drivers shouldn’t be resistant to change to a new company if a better deal can be had.

We understand brand loyalty, but is isn’t recommended if it’s costing you hundreds every year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for government employees.

The professional agents shown below can probably provide answers to your questions and help you determine which coverages and limits you need, since lots of people like to get some professional input when trying to find lower insurance rates for government employees. It’s not always easy to do it yourself, so getting advice from a licensed agent can bring comfort knowing your coverage gives you enough coverage when you need it.

To locate an agency nearest to you, click the button after the list.

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